Letter to the Credit Union

I have money in my account. Why is it my debit card is declined EVERY.SINGLE.TIME.I.GO.TO.RUBY.TUESDAYS? I understand it is my responsibility to change my last name with you. And I have done so TWO MONTHS AGO! I came into your facility the day after I got married and the day before I left on my honeymoon. Please do your part to change my name in your system. This is the third occasion my card has been declined and it is really embarrassing! Please let me spend my money as I see fit. Nice lady today on the phone, please don’t let me down. I have been very nice to you and have let you hold my money, but is it necessary to continue telling me you have changed my last name three different times and I continue to get DECLINED? I didn’t think so.

If I don’t have money in my account for a transaction to clear my account you charge me $25. Credit Union, if this happens again, you owe me $100.